Moon Insurance Managers, Inc. · TDI license #5595
Where we write, and what changes when you cross a county line
One office, on FM 1959. Thirteen cities with their own page, because in Texas the county is the unit that actually varies — not the city, and certainly not the state. Whether wind is inside your homeowners policy or a separate one, what your flood premium is discounted by, and which court hears an occupational license petition all change when you cross a line on a map.
- 41years in Houston
- 20+markets compared
- Same dayDPS filing
- #5595TDI license
Four things
What actually changes by county
Most of insurance is statewide. Texas minimum liability limits are the same in Amarillo and Galveston; an SR-22 is transmitted to the DPS electronically, so the filing is identical wherever the driver lives. Four things are not statewide, and between them they account for almost every surprise a Texas policyholder gets:
- Whether wind is its own policy The designated catastrophe area
- The Texas Windstorm Insurance Association writes wind and hail in the fourteen first-tier coastal counties — Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy — plus the slice of Harris County east of State Highway 146. Inside that area, a homeowners policy usually excludes windstorm and hail and you buy them separately. Outside it, they are in the policy you already have. Four of our thirteen cities are inside it and one straddles the line.
- What your flood premium is discounted by The CRS class
- The NFIP's Community Rating System scores a community's floodplain management from 10 (no discount) to 1, and every step is worth 5 percent off the flood premium for properties in the mapped Special Flood Hazard Area. It is a city number, not a county one, and neighboring cities differ: Houston, Pasadena and League City are Class 5; Pearland and Sugar Land are Class 6; Corpus Christi is Class 8. Nobody is told this at closing.
- What the building is worth on paper The appraisal district
- Each county has its own appraisal district, and its valuation is the number a lender and often an adjuster start from. It is not the same as the replacement cost your dwelling limit should be set to, and the gap between the two is where underinsurance lives. A city that sits in four counties — Fort Worth does — has four of these.
- Which court hears a license petition The county, not the city
- An occupational license under Tex. Transportation Code § 521.242 is heard by the court that ordered the suspension, which makes the county the unit that varies. The SR-22 that petition requires is the same document everywhere; the courthouse is not.
Sources: TWIA — coverage and eligibility; TDI — windstorm inspections; FEMA — NFIP Community Rating System. Verified .
Houston metro
The seven cities we can be at in under an hour
The office is on FM 1959 on Houston's southeast side. These are the cities where somebody can walk in, and where four counties — Harris, Brazoria, Fort Bend and Galveston — produce four different answers to the same wind-and-flood question.
Across Texas
Six markets we write into from Houston
Every line on this site is written statewide. These six pages exist because the risk in Plano is not the risk in Corpus Christi: hail country needs a conversation about roof schedules and cosmetic damage, the Hill Country needs one about creeks that a flood map understates, and Nueces County needs one about a certificate.
Not on the list
We write the rest of Texas too
Thirteen pages is not the limit of where we can write. We are an independent Texas agency and we write statewide — these are simply the markets where we had something specific enough to say to justify a page. If your city is not here, the county facts still apply and the phone number is the same one.
Between them these pages cover 10 Texas counties. The nearest one to you is usually close enough: call (281) 484-8320 and tell us the address, and we will tell you which of the four things above changes your answer.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX 77034.